I have never bought these gift cards or any WN gift card. The Costco promo e-mail caught my eyes this morning...

I want to make sure I understand it right before I pull the trigger:

1 - it works like a WN gift card, which works like any form of payment, and there is no expiration
2 - it sounds like once you have it, you can somehow "move" the balance to your Travel Fund?
3 - since Travel Fund no longer expires, there is not the "Gift Card -> Refundable Fare -> Cancel -> Travel Fund with 1 Year Expiration" problem?
4 - when you use whether the Travel Fund or Gift Card, can you use your credit card to pay part of the trip so the travel benefit coverage applies?

Thanks.